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Bank of Jiangsu (600919) investor relations material
Bank of Jiangsu H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Total assets reached RMB 4.93 trillion at year-end 2025, up 24.78% year-over-year; deposits grew 19.99% and loans rose 17.84%.
Operating income was RMB 87.94 billion, up 8.82% year-over-year; net profit attributable to shareholders was RMB 34.50 billion, up 8.35%.
ROE was 13.14% and ROA was 0.82%, both slightly lower than the previous year.
Non-performing loan (NPL) ratio dropped to 0.84%, the best since listing; provision coverage ratio was 322.98%.
Ranked 56th in The Banker’s Global 1000 Banks, up 10 places year-over-year.
Financial highlights
Net interest income increased 20.66% year-over-year to RMB 67.52 billion.
Fee and commission net income rose 28.03% to RMB 5.66 billion.
Cost-to-income ratio was 26.67%, up 1.94 percentage points year-over-year.
Basic and diluted EPS were RMB 1.76, up 6.67% year-over-year.
Net cash flow from operating activities surged to RMB 560.65 billion.
Outlook and guidance
The bank will continue to focus on high-quality growth, digital transformation, and risk management.
2026 marks the start of the 15th Five-Year Plan and the bank’s 10th anniversary of listing, with a commitment to sustainable development and shareholder returns.
- Revenue and net profit grew over 8% year-over-year, with robust asset and capital growth.600919
Q1 202629 Apr 2026 - Revenue and net profit rose over 8% and 10% year-over-year, with stable asset quality.600919
H2 202418 Dec 2025 - Net profit up 8.32% and NPL ratio down to 0.84%, with robust asset and capital growth.600919
Q3 202518 Dec 2025 - Q3 net profit up 10.08% year-over-year; total assets grew 13.32% to RMB 3.86 trillion.600919
Q3 202418 Dec 2025 - Net profit grew 10.05% year-over-year on strong asset and capital growth.600919
H1 202418 Dec 2025 - Net profit grew 8.05% to RMB 20.24 billion, with assets up 21.16% and NPL at 0.84%.600919
H1 202522 Aug 2025 - Net profit rose 13.25% to RMB 28.75B, with robust growth in green and inclusive finance.600919
H2 202313 Jun 2025 - Q1 2025 net profit up 8.16%, with improved asset quality and strong capital metrics.600919
Q1 202511 Jun 2025
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